1. Acceptance of these terms

By accessing or using Frank, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the platform.

2. Eligibility

You must be at least the age of majority in your province or territory and a resident of Canada to use Frank. You agree to provide accurate information and to keep it up to date.

3. What Frank is — and isn’t

Frank is a technology platform that helps you compare vehicles, see estimated payments and incentives, value a trade-in, and connect with dealers and lenders. Frank is not a lender, dealer, insurer, or broker-of-record, and nothing on the platform is an offer of credit, an appraisal you can rely on as a guaranteed value, or financial, legal, or tax advice. Final terms always come from the dealer, lender, or insurer you choose to deal with.

4. Your account

You are responsible for activity under your account and for keeping your verified phone number and credentials secure. Tell us promptly if you suspect unauthorized use.

5. Acceptable use

You agree not to:

• Use Frank for any unlawful, fraudulent, or harmful purpose.
• Misrepresent your identity, submit false information, or access another person’s account without permission.
• Scrape, overload, reverse-engineer, or interfere with the platform or its security.
• Infringe the rights of Frank or any third party.

6. Pricing, estimates, and pre-approvals

Payments, incentives, fair-price reads, and trade-in values shown on Frank are estimates for comparison purposes and may differ from a dealer’s or lender’s actual offer. Any pre-approval is conditional and subject to the lender’s verification, terms, and final approval. We do not guarantee any rate, payment, approval, or vehicle availability.

7. Third-party services

Frank integrates third-party services (for example, identity verification, bank linking, payments, and lender routing) and may link to third-party sites. Your use of those services is governed by their terms, and we are not responsible for them.

8. Intellectual property

Frank and its content, software, and trademarks are owned by Frank or its licensors. We grant you a limited, non-exclusive, non-transferable right to use the platform for its intended purpose. You may not copy, modify, or create derivative works except as permitted by law.

9. Fees

The consumer tools are free to use. Where a specific transaction involves a deposit or fee, we’ll disclose it before you commit.

10. Disclaimers

The platform is provided “as is” and “as available,” without warranties of any kind, whether express or implied, to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of liability

To the fullest extent permitted by law, Frank will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from a dealer, lender, or insurer transaction. Our total liability for any claim relating to the platform is limited to the greater of the amount you paid us in the twelve months before the claim or CAD $100.

12. Indemnification

You agree to indemnify and hold Frank harmless from claims and costs arising out of your use of the platform or your breach of these terms.

13. Termination

You may stop using Frank at any time. We may suspend or terminate access if you violate these terms or to protect the platform and its users.

14. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. The courts located in Ontario have exclusive jurisdiction, subject to any non-waivable rights you have under consumer-protection law.

15. Changes to these terms

We may update these terms from time to time. Material changes will be posted here with an updated date; continued use after changes means you accept them.

16. Contact us

Questions about these terms? Email nick@conquestcars.ca.